Mortgage Loan Specialist

Your next big milestone starts with a role that shapes real financial futures.

Helping people secure homes is more than a process - it's a life-changing moment. Step into the heart of mortgage excellence and make every file, every decision, every call truly count.

Ready to grow your global career without leaving home? This role lets you gain international opportunity, make your mark in the mortgage industry, and play a meaningful part in a process that transforms lives.

Job Description

As a Mortgage Loan Specialist, you'll manage borrower communication, process documentation, track loan milestones, prepare disclosures, coordinate third-party orders, and support closing activities - ensuring each file moves accurately and efficiently from pre-application to post-closing.

Job Overview

Employment type: Full-time

Shift: Night Shift, Weekends Off

Work Setup: Permanent WFH

Exciting Perks Await

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Night differential pay to maximize your earnings
• Permanent WFH arrangement
• Fixed weekends off
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit )
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used at your discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

• 3 years of experience in mortgage processing, loan operations, or sales support
• Proficiency with Encompass LOS and CRM tools
• Strong understanding of the mortgage loan lifecycle and disclosures
• High attention to detail, strong organizational and multitasking skills
• Excellent verbal and written communication
• Comfortable working independently in a fast-paced, deadline-driven environment

Preferred Skills

• Familiarity with RESPA and compliance procedures
• Experience managing borrower relationships and partner communication
• Social media management and CRM reporting knowledge a plus
• Flexible, adaptable, and able to adjust responsibilities as business needs shift

Your Daily Tasks

Borrower & Referral Partner Communication

• Serve as a primary point of contact during pre-application and post-closing stages.
• Explain disclosures, loan timelines, and closing disclosures (CDs) to borrowers.
• Collect missing documentation and maintain consistent communication on next steps.
• Send thank-you notes to borrowers and referral partners post-closing.
• Support realtor engagement through weekly updates and follow-up for reviews.

Pre-Application & Post-Closing Client Interaction

• Collect, review, and organize borrower documentation.
• Create pre-approval letters after LO qualification and verify file accuracy.
• Request Letters of Explanation (LOX) for unusual deposits or credit issues.
• Confirm borrower consent and application readiness.

Loan Data Entry & System Management (Encompass)

• Enter all borrower, property, employment, and contact data into Encompass.
• Upload, label, and organize all supporting documents accurately.
• Monitor the pipeline daily to track key deadlines, lock expirations, and milestone movement.
• Maintain accurate updates in YBR and lead trackers with detailed notes.

Loan Process & Operational Support

File Intake & Processing

• Review pre-approval files for completeness and qualification.
• Monitor shared inboxes for incoming documents and client communications.
• Organize files for submission with a goal of "Clear to Close" readiness.
• Re-run AUS and update system fields as needed.

Disclosure & Compliance Coordination

• Prepare and send RESPA-compliant initial disclosures.
• Manage re-disclosures based on file or fee changes.
• Track and collect signed disclosure packages and application fees.
• Ensure accuracy of Loan Estimates, fees, and disclosure timelines.
• Run Mavent and Fraud Guard checks and verify property addresses via USPS.

Third-Party Orders & Title Coordination

• Order and follow up on appraisals, VOEs, VOMs, payoffs, insurance, and title.
• Follow up persistently (minimum 4 times) to obtain required documentation.
• Collect all third-party invoices to ensure closing disclosure accuracy.

Underwriting & Closing Support

• Submit complete files to underwriting and manage borrower expectations.
• Assist in satisfying conditions with the Mortgage Consultant.
• Coordinate final fee and CD review with the Closing Coordinator.
• Submit to CD Desk and ensure timely and accurate CD generation.
• Manage Clear to Close communication and update final workflows.

VP Support & Administrative Tasks

• Keep VP organized through calendar support, time-blocking, and daily priorities.
• Assist with preparation for pipeline meetings and status reviews.
• Update, extend, or change investor locks via Commitment Desk when needed.
• Track and approve CDs for closing.
• Support referral partner reporting and social media engagement as needed.

About the Client

Transforming homeownership with transparency and innovation.

For over 25 years, our client has been committed to redefining the mortgage experience through low rates, groundbreaking technology, complete transparency, and exceptional service. Built on a mission to deliver more value than any other mortgage provider, they continue to innovate systems that make borrowing faster, simpler, and more empowering for customers, employees, and referral partners alike.

Welcome to Emapta Philippines

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta stands proudly alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a collaborative, innovative culture. Grow alongside global teams, supported by a strong foundation and professionals committed to making an impact. Apply now and be part of the #EmaptaEra